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    As interest rates rise and the economy slows down, many people find themselves in over their head, especially when it comes to their credit cards. Here are a few tips for coping with your credit card debt.

    First, cut up your credit cards and don't use them again until you've regained control of your situation! Then create a budget for yourself and your family. Be realistic and totally honest in your appraisal of what you really need to spend money on, and how much money you're bringing in every month. Make trad

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    ially when it comes to their credit cards. Here are a few tips for coping with your credit card debt.

    First, cut up your credit cards and don't use them again until you've regained control of your situation! Then create a budget for yourself and your family. Be realistic and totally honest in your appraisal of what you really need to spend money on, and how much money you're bringing in every month. Make tra

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    First, cut up your credit cards and don't use them again until you've regained control of your situation! Then create a budget for yourself and your family. Be realistic and totally honest in your appraisal of what you really need to spend money on, and how much money you're bringing in every month. Make tra

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    ion! Then create a budget for yourself and your family. Be realistic and totally honest in your appraisal of what you really need to spend money on, and how much money you're bringing in every month. Make tra
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    l of what you really need to spend money on, and how much money you're bringing in every month. Make trade-offs wherever you can to bring the income and expenditure columns into agreement. And don't forget to include saving, if it's at all possible.

    If you're already in deep, contact your creditors. They'll actually appreciate your effort, since most folks turn and run scared when they begin experiencing financial difficulties. Tell your creditors what you can pay, but be honest and then stick to that proposal.

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